Why not sign up now? To get started, just fill out this form and Rudi Hoffman will find insurance policies for you and walk you through the rest of the process. (You have clearly put some research into this, so if you have some other path, take it, but "the next few years" is too vague of a time frame for you to ever decide "now is the time to do it".)

I'm not completely irrational. The primary roadblock is not my paperwork allergy (which is admittedly intense) but the fact that I like to completely think through major decisions. My financial situation is unlike most people's, and insurance may not be optimal for me. While researching Kim's options, I looked at Alcor's funding methods closely for the first time, and a trust may be best for me. I try to collect other data, like this found today. Then it all goes into my brain, I heavily weight whatever Luke thinks, and bam - decision. Then I procrastinate on paperwork.